MIRA INFORM REPORT

 

 

Report Date :

14.10.2014

 

IDENTIFICATION DETAILS

 

Name :

SCHAFFNER EMC PTE LTD

 

 

Registered Office :

3015A , Ubi Road 1, 05-09, Kampong Ubi Industrial Estate, 408705,

 

 

Country :

Singapore

 

 

Financials (as on) :

30.09.2013

 

 

Date of Incorporation :

14.01.1998

 

 

Com. Reg. No.:

199800253-W

 

 

Legal Form :

Private Limited

 

 

Line of Business :

Trading and servicing of power quality simulator, engineering services

 

 

No. of Employees :

07 [2014]

 

RATING & COMMENTS

 

MIRA’s Rating :

Ba

 

RATING

STATUS

PROPOSED CREDIT LINE

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

Satisfactory

 

Status :

Satisfactory

Payment Behaviour :

No complaints

Litigation :

Clear

 

NOTES :

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – June 1, 2014

 

Country Name

Previous Rating

(31.03.2014)

Current Rating

(01.06.2014)

Singapore

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

 

SINGAPORE - ECONOMIC OVERVIEW

 

Singapore has a highly developed and successful free-market economy. It enjoys a remarkably open and corruption-free environment, stable prices, and a per capita GDP higher than that of most developed countries. The economy depends heavily on exports, particularly in consumer electronics, information technology products, pharmaceuticals, and on a growing financial services sector. The economy contracted 0.6% in 2009 as a result of the global financial crisis, but rebounded 15.1% in 2010, on the strength of renewed exports, before slowing to in 2011-13, largely a result of soft demand for exports during the second European recession. Over the longer term, the government hopes to establish a new growth path that focuses on raising productivity. Singapore has attracted major investments in pharmaceuticals and medical technology production and will continue efforts to establish Singapore as Southeast Asia's financial and high-tech hub

 

Source : CIA


Company name and address

 

 

REGISTRATION NO.

:

199800253-W

COMPANY NAME

:

SCHAFFNER EMC PTE LTD

FORMER NAME

:

N/A

INCORPORATION DATE

:

14/01/1998

COMPANY STATUS

:

EXIST

LEGAL FORM

:

PRIVATE LIMITED

LISTED STATUS

:

NO

REGISTERED ADDRESS

:

3015A , UBI ROAD 1, 05-09, KAMPONG UBI INDUSTRIAL ESTATE, 408705, SINGAPORE.

BUSINESS ADDRESS

:

3015A UBI ROAD 1 #05-09 KAMPONG UBI INDUSTRIAL ESTATE,, 408705, SINGAPORE.

TEL.NO.

:

65-63773283

FAX.NO.

:

65-63773281

WEB SITE

:

WWW.SCHAFFNER.COM

CONTACT PERSON

:

ALEXANDER HAGEMANN ( DIRECTOR )

PRINCIPAL ACTIVITY

:

TRADING AND SERVICING OF POWER QUALITY SIMULATOR, ENGINEERING SERVICES

ISSUED AND PAID UP CAPITAL

:

1,200,000.00 ORDINARY SHARE, OF A VALUE OF SGD 1,200,000.00

SALES

:

SGD 38,690,172 [2013]

NET WORTH

:

SGD 8,956,516 [2013]

STAFF STRENGTH

:

7 [2014]

LITIGATION

:

CLEAR

FINANCIAL CONDITION

:

FAIR

PAYMENT

:

PROMPT

MANAGEMENT CAPABILITY

:

AVERAGE

COMMERCIAL RISK

:

LOW

CURRENCY EXPOSURE

:

MODERATE

GENERAL REPUTATION

:

SATISFACTORY

INDUSTRY OUTLOOK

:

AVERAGE GROWTH

 

HISTORY / BACKGROUND

 

The Subject is a private limited company and is allowed to have a minimum of one and a maximum of forty-nine shareholders. As a private limited company, the Subject must have at least two directors. A private limited company is a separate legal entity from its shareholders. As a separate legal entity, the Subject is capable of owning assets, entering into contracts, sue or be sued by other companies. The liabilities of the shareholders are to the extent of the equity they have taken up and the creditors cannot claim on shareholders' personal assets even if the Subject is insolvent. The Subject is governed by the Companies Act and the company must file its annual returns, together with its financial statements with the Registrar of Companies.

The Subject is principally engaged in the (as a / as an) trading and servicing of power quality simulator, engineering services.

 

The immediate holding company of the Subject is SCHAFFNER EMV AG, a company incorporated in SWITZERLAND.

The ultimate holding company of the Subject is SCHAFFER HOLDING AG, a company incorporated in SWITZERLAND.

 

Share Capital History

Date

Issue & Paid Up Capital

13/10/2014

SGD 1,200,000.00

 

The major shareholder(s) of the Subject are shown as follows :

 

Name

Address

IC/PP/Loc No

Shareholding

(%)

SCHAFFNER EMV AG

NORDSTRASSE 11, LUTERBACH, 4542, SWITZERLAND.

T06UF0476H

1,200,000.00

100.00

---------------

------

1,200,000.00

100.00

============

=====



DIRECTORS

 

DIRECTOR 1

 

Name Of Subject

:

KURT LEDERMANN

Address

:

FEGETZ-ALLEE 12, SOLOTHURN, 4500, SWITZERLAND.

IC / PP No

:

F0910840

Nationality

:

SWISS

Date of Appointment

:

01/06/2008

 

DIRECTOR 2

 

Name Of Subject

:

ALEXANDER HAGEMANN

Address

:

JOHANNITERSTRASSE 9, CH-8805, RICHTERSWIL, SWITZERLAND.

IC / PP No

:

C4YL58GFJ

Nationality

:

GERMAN

Date of Appointment

:

01/04/2007

 

DIRECTOR 3

 

Name Of Subject

:

KRATTIGER STEFAN KURT

Address

:

3015A, UBI ROAD 1, 05-09, 408705, SINGAPORE.

IC / PP No

:

G5925336R

Nationality

:

SWISS

Date of Appointment

:

22/12/2006



MANAGEMENT

 

 

 

1)

Name of Subject

:

ALEXANDER HAGEMANN

Position

:

DIRECTOR

 

 

 

AUDITOR

 

Auditor

:

HLB ATREDE LLP

Auditor' Address

:

N/A

 

Auditor

:

HLB ATREDE LLP

Auditor' Address

:

N/A

 


 

COMPANY SECRETARIES

 

1)

Company Secretary

:

LIM HORNG LING

IC / PP No

:

S6925973A

Address

:

205, BALESTIER ROAD, 02-06, THE MEZZO, 329682, SINGAPORE.

 

BANKING

 


No Banker found in our databank.

 

ENCUMBRANCE (S)


No encumbrance was found in our databank at the time of investigation.

 

 

LEGAL CHECK AGAINST SUBJECT


* A check has been conducted in our databank againt the Subject whether the subject has been involved in any litigation.

No legal action was found in our databank.

No winding up petition was found in our databank.

 

PAYMENT RECORD

 

 

SOURCES OF RAW MATERIALS:

Local

:

N/A

Overseas

:

N/A


The Subject refused to disclose its suppliers.

The Subject refused to provide any name of trade/service supplier and we are unable to conduct any trade enquiry. However, from financial historical data we conclude that :

OVERALL PAYMENT HABIT

Prompt 0-30 Days

[

X

]

Good 31-60 Days

[

]

Average 61-90 Days

[

]

Fair 91-120 Days

[

]

Poor >120 Days

[

]

 

 

CLIENTELE

 

Local

:

YES

Domestic Markets

:

SINGAPORE

Overseas

:

YES

Export Market

:

WORLDWIDE

Credit Term

:

N/A

Payment Mode

:

CHEQUES
TELEGRAPHIC TRANSFER (TT)

 

 

OPERATIONS

 

Goods Traded

:

POWER CONTROL EQUIPMENTS

Services

:

POWER QUALITY SIMULATOR AND SOLUTION SERVICES

 

Total Number of Employees:

YEAR

2014


GROUP

N/A

COMPANY

7

 

Branch

:

NO

Other Information:


The Subject is principally engaged in the (as a / as an) trading and servicing of power quality simulator, engineering services.

The Subject is a member of Schaffner Group.

Schaffner is the international leader in the fields of electromagnetic compatibility and power quality and supports with its components solutions for an efficient and reliable use of electric energy.

With its products and services, the Schaffner Group plays a key role in promoting technologies that support renewable energies, ensures the reliable functioning of electronic equipment and systems in compliance with all major quality and performance standards and meets the requirements for greater energy efficiency.

The Schaffner Group is the only global company to provide EMC and power quality solutions from a single source, helping to improve the quality of electricity and the availability of electrical supplies.


CURRENT INVESTIGATION

 

Latest fresh investigations carried out on the Subject indicated that :

Telephone Number Provided By Client

:

N/A

Current Telephone Number

:

65-63773283

Match

:

N/A

Address Provided by Client

:

3015 A UBI ROAD 1 #05-09 KAMPONG UBI INDUSTRIAL ESTATE SINGAPORE 408705

Current Address

:

3015A UBI ROAD 1 #05-09 KAMPONG UBI INDUSTRIAL ESTATE,, 408705, SINGAPORE.

Match

:

YES

 

Other Investigations


we contacted one of the staff from the Subject and she provided some information.

She refused to disclose its number of employees.


FINANCIAL ANALYSIS

 

Profitability

Turnover

:

Increased

[

2011 - 2013

]

Profit/(Loss) Before Tax

:

Decreased

[

2011 - 2013

]

Return on Shareholder Funds

:

Unfavourable

[

2.99%

]

Return on Net Assets

:

Unfavourable

[

3.37%

]

The Subject's turnover increased steadily as the demand for its products / services increased due to the goodwill built up over the years.The dip in profit could be due to the stiff market competition which reduced the Subject's profit margin. The unfavourable return on shareholders' funds could indicate that the Subject was inefficient in utilising its assets to generate returns.

Working Capital Control

Stock Ratio

:

Favourable

[

1 Days

]

Debtor Ratio

:

Favourable

[

55 Days

]

Creditors Ratio

:

Favourable

[

4 Days

]

The Subject's stocks were moving fast thus reducing its holding cost. This had reduced funds being tied up in stocks. The favourable debtors' days could be due to the good credit control measures implemented by the Subject. The Subject had a favourable creditors' ratio where the Subject could be taking advantage of the cash discounts and also wanting to maintain goodwill with its creditors.

Liquidity

Liquid Ratio

:

Favourable

[

6.89 Times

]

Current Ratio

:

Favourable

[

6.96 Times

]

A minimum liquid ratio of 1 should be maintained by the Subject in order to assure its creditors of its ability to meet short term obligations and the Subject was in a good liquidity position. Thus, we believe the Subject is able to meet all its short term obligations as and when they fall due.

Solvency

Interest Cover

:

Nil

[

0.00 Times

]

Gearing Ratio

:

Favourable

[

0.00 Times

]

The Subject's interest cover was nil as it did not pay any interest during the year. The Subject had no gearing and hence it had virtually no financial risk. The Subject was financed by its shareholders' funds and internally generated fund. During the economic downturn, the Subject, having a zero gearing, will be able to compete better than those which are highly geared in the same industry.

Overall Assessment :

Although the Subject's turnover had increased, its profits had declined over the same corresponding period. This could be due to the stiffer market competition and / or higher operating costs which lowered the Subject's profit margin. The Subject was in good liquidity position with its total current liabilities well covered by its total current assets. With its current net assets, the Subject should be able to repay its short term obligations. The Subject did not make any interest payment during the year. The Subject was dependent on its shareholders' funds to finance its business needs. The Subject was a zero gearing company, it was solely dependant on its shareholders to provide funds to finance its business. The Subject has good chance of getting loans, if the needs arises.

Overall financial condition of the Subject : FAIR

 

SINGAPORE ECONOMIC / INDUSTRY OUTLOOK

 

Major Economic Indicators :

2009

2010

2011

2012

2013

 

Population (Million)

4.98

5.08

5.18

5.31

5.40

Gross Domestic Products ( % )

(0.8)

14.5

4.9

1.3

3.7

Consumer Price Index

0.6

2.8

5.2

4.6

2.4

Total Imports (Million)

356,299.3

423,221.8

459,655.1

474,554.0

466,762.0

Total Exports (Million)

391,118.1

478,840.7

514,741.2

510,329.0

513,391.0

 

Unemployment Rate (%)

3.2

2.2

2.1

2.0

1.9

Tourist Arrival (Million)

9.68

11.64

13.17

14.49

15.46

Hotel Occupancy Rate (%)

75.8

85.6

86.5

86.4

86.3

Cellular Phone Subscriber (Million)

1.37

1.43

1.50

1.52

1.97

 

Registration of New Companies (No.)

26,414

29,798

32,317

31,892

37,288

Registration of New Companies (%)

4.3

12.8

8.5

(1.3)

9.8

Liquidation of Companies (No.)

22,393

15,126

19,005

17,218

17,369

Liquidation of Companies (%)

113.4

(32.5)

25.6

9.4

(5.3)

 

Registration of New Businesses (No.)

26,876

23,978

23,494

24,788

22,893

Registration of New Businesses (%)

8.15

(10.78)

2.02

5.51

1.70

Liquidation of Businesses (No.)

23,552

24,211

23,005

22,489

22,598

Liquidation of Businesses (%)

11.4

2.8

(5)

(2.2)

0.5

 

Bankruptcy Orders (No.)

2,058

1,537

1,527

1,748

1,992

Bankruptcy Orders (%)

(11.5)

(25.3)

(0.7)

14.5

14.0

Bankruptcy Discharges (No.)

3,056

2,252

1,391

1,881

2,584

Bankruptcy Discharges (%)

103.7

(26.3)

(38.2)

35.2

37.4

 

INDUSTRIES ( % of Growth ) :

Agriculture

Production of Principal Crops

3.25

(0.48)

4.25

3.64

-

Fish Supply & Wholesale

(1.93)

(10.5)

12.10

(0.5)

-

 

Manufacturing *

71.5

92.8

100.0

100.3

102.0

Food, Beverages & Tobacco

90.4

96.4

100.0

103.5

103.5

Textiles

145.9

122.1

100.0

104.0

87.1

Wearing Apparel

211.0

123.3

100.0

92.1

77.8

Leather Products & Footwear

79.5

81.8

100.0

98.6

109.8

Wood & Wood Products

101.4

104.0

100.0

95.5

107.4

Paper & Paper Products

95.4

106.1

100.0

97.4

103.2

Printing & Media

100.9

103.5

100.0

93.0

86.1

Crude Oil Refineries

96.4

95.6

100.0

99.4

93.5

Chemical & Chemical Products

80.3

97.6

100.0

100.5

104.1

Pharmaceutical Products

49.1

75.3

100.0

109.7

107.2

Rubber & Plastic Products

101.2

112.3

100.0

96.5

92.9

Non-metallic Mineral

91.9

92.5

100.0

98.2

97.6

Basic Metals

92.6

102.2

100.0

90.6

76.5

Fabricated Metal Products

90.8

103.6

100.0

104.3

105.1

Machinery & Equipment

57.3

78.5

100.0

112.9

114.5

Electrical Machinery

86.8

124.1

100.0

99.3

108.5

Electronic Components

85.2

113.6

100.0

90.6

94.3

Transport Equipment

96.0

94.0

100.0

106.3

107.5

 

Construction

(36.9)

14.20

20.50

28.70

-

Real Estate

1.4

21.3

25.4

31.9

-

 

Services

Electricity, Gas & Water

1.70

4.00

7.00

6.30

-

Transport, Storage & Communication

3.90

12.80

7.40

5.30

-

Finance & Insurance

(16.4)

(0.4)

8.90

0.50

-

Government Services

4.50

9.70

6.90

6.00

-

Education Services

0.10

(0.9)

(1.4)

0.30

-

 

* Based on Index of Industrial Production (2011 = 100)



INDUSTRY ANALYSIS

 

INDUSTRY :

TRADING

The wholesale and retail trade sector contracted by 1.5% in the fourth quarter of 2012, extending the 0.2% decline in the preceding quarter. For the whole of 2012, the sector declined by 0.7%, reversing the 1.6% growth in 2011. The sector was weighed down primarily by the wholesale trade segment. In 2012, the wholesale trade segment contracted by 1.0%, a reversal from the 1.4% growth in 2011. Growth of the retail trade segment also moderated to 2.0%, from 3.2% in the year 2011.

The domestic wholesale trade index grew by 1.2% in the fourth quarter of 2012, an improvement from the 5.4% decline in the third quarter. This was partly due to an increase in the sales of chemicals & chemical products and ship chandlers & bunkering. For the full year of 2012, the domestic wholesale trade index contracted by 2.2%, extending the 1.7% decline in 2011. The foreign wholesale trade index grew by 8.6% in the fourth quarter, an increase from the 6.6% growth in the third quarter. The expansion was partly due to resilient sales of petroleum & petroleum products. For the whole of 2012, the foreign wholesale trade index expanded by 9.1%, faster than the 4.3% increase in 2011.

In the fourth quarter of 2012, retail sales volume declined by 2.0%, extending the 0.3% decline in the third quarter. Excluding motor vehicles, retail sales volume grew by 0.4%, a slight moderation compared to the 1.5% gain in the third quarter of 2012. The sales volume of motor vehicles fell by 11% in the fourth quarter of 2012, after contracting by 6.1% in the third quarter. The sales of several discretionary items also declined in the fourth quarter. Besides, the sales of optical goods & books in 2012 fell by 3.6%, while the sales of telecommunications apparatus & computers declined by 1.4%.

For 2012 as a whole, retail sales volume grew by 1.3%, compared to the 2.0% expansion in 2011. Excluding motor vehicle sales, the increase in retail sales volume also moderated from 5.4% in 2011 to 1.7% in 2012. Medical goods & toiletries registered the largest increase (9.3%) in sales, followed by telecommunications apparatus & computers (6.9%). By contrast, the sales of watches & jewellery (-2.2%) and optical goods & books (-3.6%) declined.

OVERALL INDUSTRY OUTLOOK : AVERAGE GROWTH

 

CREDIT RISK EVALUATION & RECOMMENDATION

 


Incorporated in 1998, the Subject is a Private Limited company, focusing on trading and servicing of power quality simulator, engineering services. Having been in the industry for 16 years, the Subject has achieved a certain market share and has built up a satisfactory reputation in the market. It should have received supports from its regular customers. With an issued and paid up capital of SGD 1,200,000 and strong backing from its holding company, the Subject enjoys timely financial assistance should the needs arise. These favourable conditions has minimised its risk in the industry compared to other players.

Being a small company, the Subject's business operation is supported by 7 employees. Overall, we regard that the Subject's management capability is average. This indicates that the Subject has greater potential to improve its business performance and raising income for the Subject.

Financially, the Subject registered a higher turnover compared to previous year. However, its profits showed a reverse trend. The lower profit achieved was a result of higher operating cost and increased competition. The Subject has generated an unfavourable return on shareholders' funds indicating that the management was inefficient in utilising its funds to generate return. The Subject is in good liquidity position with its current liabilities well covered by it current assets. Hence, it has sufficient working capital to meet its short term financial obligations. Being a zero geared company, the Subject virtually has no financial risk as it is mainly dependent on its internal funds to finance its business. Given a positive net worth standing at SGD 8,956,516, the Subject should be able to maintain its business in the near terms.

Having a strong assets backing, the Subject possesses latent assets as collateral for further financial extension. Hence, it has good chance of getting loans if the needs arises.

We regard that the Subject's overall payment habit is prompt. The Subject had a favourable creditors' ratio as evidenced by its favourable collection days.

The industry shows an upward trend and this trend is very likely to sustain in the near terms. Hence, the Subject is expected to benefit from the favourable outlook of the industry.

Based on the above condition, we recommend credit be granted to the Subject promptly.

 



PROFIT AND LOSS ACCOUNT

 

THE FINANCIAL STATEMENTS WERE PREPARED IN ACCORDANCE WITH SINGAPORE FINANCIAL REPORTING STANDARDS.

SCHAFFNER EMC PTE LTD

 

Financial Year End

2013-09-30

2012-09-30

2011-09-30

Months

12

12

12

Consolidated Account

Company

Company

Company

Audited Account

YES

YES

YES

Unqualified Auditor's Report (Clean Opinion)

YES

YES

YES

Financial Type

FULL

FULL

SUMMARY

Currency

SGD

SGD

SGD

TURNOVER

38,690,172

25,889,596

24,911,924

----------------

----------------

----------------

Total Turnover

38,690,172

25,889,596

24,911,924

Costs of Goods Sold

(33,226,704)

(19,780,419)

-

----------------

----------------

----------------

Gross Profit

5,463,468

6,109,177

-

----------------

----------------

----------------

PROFIT/(LOSS) FROM OPERATIONS

309,871

350,639

5,109,923

----------------

----------------

----------------

PROFIT/(LOSS) BEFORE TAXATION

309,871

350,639

5,109,923

Taxation

(42,148)

(39,826)

(812,119)

----------------

----------------

----------------

PROFIT/(LOSS) AFTER TAXATION

267,723

310,813

4,297,804

----------------

----------------

----------------

RETAINED PROFIT/(LOSS) BROUGHT FORWARD

As previously reported

7,488,793

7,177,980

2,880,176

----------------

----------------

----------------

As restated

7,488,793

7,177,980

2,880,176

----------------

----------------

----------------

PROFIT AVAILABLE FOR APPROPRIATIONS

7,756,516

7,488,793

7,177,980

----------------

----------------

----------------

RETAINED PROFIT/(LOSS) CARRIED FORWARD

7,756,516

7,488,793

7,177,980

=============

=============

=============

 

 

 

BALANCE SHEET

 

 

SCHAFFNER EMC PTE LTD

 

ASSETS EMPLOYED:

FIXED ASSETS

50,166

43,171

86,549

----------------

----------------

----------------

TOTAL LONG TERM ASSETS

50,166

43,171

86,549

Stocks

97,620

183,665

-

Trade debtors

5,822,986

4,040,501

-

Other debtors, deposits & prepayments

44,974

20,565

-

Amount due from holding company

-

7,906,194

-

Amount due from related companies

1,982,659

132,583

-

Cash & bank balances

2,722,196

1,919,823

-

----------------

----------------

----------------

TOTAL CURRENT ASSETS

10,670,435

14,203,331

10,948,114

----------------

----------------

----------------

TOTAL ASSET

10,720,601

14,246,502

11,034,663

=============

=============

=============

CURRENT LIABILITIES

Trade creditors

353,541

206,720

-

Other creditors & accruals

406,404

316,454

-

Amounts owing to holding company

52,035

47,321

-

Amounts owing to related companies

593,004

4,688,439

-

Provision for taxation

15,802

48,925

-

Other liabilities

113,102

53,950

-

----------------

----------------

----------------

TOTAL CURRENT LIABILITIES

1,533,888

5,361,809

2,656,683

----------------

----------------

----------------

NET CURRENT ASSETS/(LIABILITIES)

9,136,547

8,841,522

8,291,431

----------------

----------------

----------------

TOTAL NET ASSETS

9,186,713

8,884,693

8,377,980

=============

=============

=============

SHARE CAPITAL

Ordinary share capital

1,200,000

1,200,000

1,200,000

----------------

----------------

----------------

TOTAL SHARE CAPITAL

1,200,000

1,200,000

1,200,000

Retained profit/(loss) carried forward

7,756,516

7,488,793

7,177,980

----------------

----------------

----------------

TOTAL RESERVES

7,756,516

7,488,793

7,177,980

----------------

----------------

----------------

SHAREHOLDERS' FUNDS/EQUITY

8,956,516

8,688,793

8,377,980

Deferred taxation

3,995

5,000

-

Others

226,202

190,900

-

----------------

----------------

----------------

TOTAL LONG TERM LIABILITIES

230,197

195,900

-

----------------

----------------

----------------

9,186,713

8,884,693

8,377,980

=============

=============

=============

 

FINANCIAL RATIO

 

 

SCHAFFNER EMC PTE LTD

 

TYPES OF FUNDS

Cash

2,722,196

1,919,823

-

Net Liquid Funds

2,722,196

1,919,823

-

Net Liquid Assets

9,038,927

8,657,857

8,291,431

Net Current Assets/(Liabilities)

9,136,547

8,841,522

8,291,431

Net Tangible Assets

9,186,713

8,884,693

8,377,980

Net Monetary Assets

8,808,730

8,461,957

8,291,431

BALANCE SHEET ITEMS

Total Borrowings

0

0

-

Total Liabilities

1,764,085

5,557,709

2,656,683

Total Assets

10,720,601

14,246,502

11,034,663

Net Assets

9,186,713

8,884,693

8,377,980

Net Assets Backing

8,956,516

8,688,793

8,377,980

Shareholders' Funds

8,956,516

8,688,793

8,377,980

Total Share Capital

1,200,000

1,200,000

1,200,000

Total Reserves

7,756,516

7,488,793

7,177,980

LIQUIDITY (Times)

Cash Ratio

1.77

0.36

-

Liquid Ratio

6.89

2.61

-

Current Ratio

6.96

2.65

4.12

WORKING CAPITAL CONTROL (Days)

Stock Ratio

1

3

-

Debtors Ratio

55

57

-

Creditors Ratio

4

4

-

SOLVENCY RATIOS (Times)

Gearing Ratio

0.00

0.00

-

Liabilities Ratio

0.20

0.64

0.32

Times Interest Earned Ratio

0.00

0.00

-

Assets Backing Ratio

7.66

7.40

6.98

PERFORMANCE RATIO (%)

Operating Profit Margin

0.80

1.35

20.51

Net Profit Margin

0.69

1.20

17.25

Return On Net Assets

3.37

3.95

60.99

Return On Capital Employed

3.37

3.95

60.99

Return On Shareholders' Funds/Equity

2.99

3.58

51.30

Dividend Pay Out Ratio (Times)

0.00

0.00

-

NOTES TO ACCOUNTS

Contingent Liabilities

0

0

 


 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.61.24

UK Pound

1

Rs.98.68

Euro

1

Rs.77.60

 

INFORMATION DETAILS

 

Analysis Done by :

KAR

 

 

Report Prepared by :

NIS

 

               

RATING EXPLANATIONS

 

RATING

STATUS

PROPOSED CREDIT LINE

 

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

 

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

 

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

 

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

 

Satisfactory

 

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

 

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

 

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

Credit not recommended

 

--

NB

New Business

--

 

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                  Payment record (10%)

Credit history (10%)                   Market trend (10%)                                Operational size (10%)

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.